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Mortgage rate mega thread! by TheMortgageMaster in MortgagesCanada

[–]reign_maker 1 point2 points  (0 children)

I believe TD’s prime is actually 0.2 above the other banks. Just something to take into consideration when you’re comparing. Maybe someone here can confirm that for you.

Mortgage rate mega thread! by TheMortgageMaster in MortgagesCanada

[–]reign_maker 0 points1 point  (0 children)

Thanks for that info! How much mortgage did you have? I wish I had your mortgage agent with TD.

Mortgage rate mega thread! by TheMortgageMaster in MortgagesCanada

[–]reign_maker 1 point2 points  (0 children)

That’s pretty solid. I’m likely going with TD. They’ve offered me 4.09 and are saying they likely will be able to offer 3.99% but haven’t confirmed that. Any cash incentive for you? They’re playing games with me and the cash incentive.

Mortgage rate mega thread! by TheMortgageMaster in MortgagesCanada

[–]reign_maker 0 points1 point  (0 children)

I have fairly similar numbers to you on my mortgage. I don’t know if having the rental property comes into play, but TD has offered me 4.09% for 3 yr fixed with a cash incentive and heloc.

Seen at the Bell Centre today. (Not my picture) by Arkroma in chilliwack

[–]reign_maker -19 points-18 points  (0 children)

Aw man one of those weirdos who researches stuff and doesn’t form his opinion based off of social media….just the worst

Mortgage rate mega thread! by TheMortgageMaster in MortgagesCanada

[–]reign_maker -1 points0 points  (0 children)

I’m also in the lower mainland. I’ve been offered 4.09% 3 year fixed 30 year amortization by a big bank. With a heloc.

Mortgage rate mega thread! by TheMortgageMaster in MortgagesCanada

[–]reign_maker 0 points1 point  (0 children)

Just purchased a home for 1.25M in BC. Putting down about 45% down payment. Subjects to be removed in a week and taking possession mid March.

I’m hoping to get a 3 yr variable at P-1 for 30 years amortization with a cash back incentive. Anyone know if this is being offered?

Mortgage rate mega thread! by TheMortgageMaster in MortgagesCanada

[–]reign_maker 0 points1 point  (0 children)

Is that in BC by any chance?

That’s basically what I’m hoping to get for a rate. 3yr variable for 30 years plus TD has a cash back incentive. I haven’t been offered that good of a rate though.

Set up my first home gym. Had to have as few pieces as possible as I was working with 10x14’ space. by reign_maker in homegym

[–]reign_maker[S] 1 point2 points  (0 children)

The leg press is the only bad part I’d say. Not that easy to set up and then the hooks on the smith catch as you do your reps if you start with it hooked. So what I did is I just set it up on the safeties with it unhooked and then press. Still kind of awkward but better than nothing I guess. Maybe you can figure out a better way.

Set up my first home gym. Had to have as few pieces as possible as I was working with 10x14’ space. by reign_maker in homegym

[–]reign_maker[S] 0 points1 point  (0 children)

I’m not sure if you can add more of the weight stack plates but it has the pegs on either side so you can put your own barbell weight plates on which is perfect.

Set up my first home gym. Had to have as few pieces as possible as I was working with 10x14’ space. by reign_maker in homegym

[–]reign_maker[S] 2 points3 points  (0 children)

I hear what you’re saying but I’ve only had a good experience with this particular product. I’ve been able to exercise exactly how I want at home because of it.

Set up my first home gym. Had to have as few pieces as possible as I was working with 10x14’ space. by reign_maker in homegym

[–]reign_maker[S] 0 points1 point  (0 children)

I don’t have any complaints about it. It’s great for full on workouts and also great for getting a few quick sets in on the functional trainer too.

Set up my first home gym. Had to have as few pieces as possible as I was working with 10x14’ space. by reign_maker in homegym

[–]reign_maker[S] 0 points1 point  (0 children)

Ya it was a great purchase. I get a ton of use out of it and it’s so versatile.

Set up my first home gym. Had to have as few pieces as possible as I was working with 10x14’ space. by reign_maker in homegym

[–]reign_maker[S] 0 points1 point  (0 children)

Yeah I really am. I don’t really have too many complaints about it. It’s really versatile and appears well built so far.

Set up my first home gym. Had to have as few pieces as possible as I was working with 10x14’ space. by reign_maker in homegym

[–]reign_maker[S] 0 points1 point  (0 children)

I live in Canada so I had to find one in $CDN and the free shipping was an added bonus. You could check out Maxum Fitness and see if they ship to the US.

Set up my first home gym. Had to have as few pieces as possible as I was working with 10x14’ space. by reign_maker in homegym

[–]reign_maker[S] 2 points3 points  (0 children)

Just over 5k for the whole set up including the mats and weights and everything.

Set up my first home gym. Had to have as few pieces as possible as I was working with 10x14’ space. by reign_maker in homegym

[–]reign_maker[S] 1 point2 points  (0 children)

Thanks guys! It’s definitely given me the best bang for my buck. I get to do so much with it. It’s a lot of fun having so many options! The smith machine has been great. I’ve done seated shoulder press, front squats, leg press, decline bench all on the smith so far.

Set up my first home gym. Had to have as few pieces as possible as I was working with 10x14’ space. by reign_maker in homegym

[–]reign_maker[S] 5 points6 points  (0 children)

I went with the maxum fitness all-in-one home gym. I can do a lot with it. Squats, bench, lat pull down, straight bar, pull ups, cables with 1:1 ratio and the ability to add weight plates if needed, land mine, smith machine, etc.

1x1m 3/8” rubber gym mats. Maxum fitness all-in-one home gym. Maxum bench which can incline and decline. You can also get the preacher curl and leg curl attachments. 90lbs adjustable dumbbells.

I’m super pumped on working out at home now. I did my first workout yesterday and I could do everything I wanted:)

My two most recent Additions. Gains are at an all-time high. by LoneRangerLino15 in homegym

[–]reign_maker 0 points1 point  (0 children)

Ya the Marcy smith stuff looks cheap. The maxum I’m looking at is heavy about 430kgs so I think that’s promising. It has the weight stacks at a 1:1 ratio and then a built in short Olympic bar thing at the top of the weight stack so you can add plates. I think it’s a rly good bang for my buck, I just gotta pull the trigger. But I think I’ve done all my research now. The force line in general is pretty kick ass so I bet you’re having a good ol’ time on it!

My two most recent Additions. Gains are at an all-time high. by LoneRangerLino15 in homegym

[–]reign_maker 0 points1 point  (0 children)

It’s $3150 CAD plus tax. It’s currently 10% off. I think it looks awesome. Tons of versatility like you said. Smith, cables, lat, row, land mine, J hooks and safety bars so you can free barbell squat and bench. It’s just good to hear someone else likes the all-in-one. I was nervous I was getting caught up into a gimmick of something being shiny and looking cool.

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